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KentuckyHB 6272026 Regular SessionHouseWALLET

AN ACT relating to insurance.

Sponsored By: Josh Bray (Republican)

Became Law

Consumer ProtectionContractsCorrections ImpactHealth And Medical ServicesHealth Care ProfessionalsHospitals And Health FacilitiesInsurance, Motor VehicleLocal MandateMotor Vehicles

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 3 benefits, 1 costs, 0 mixed.

More no-fault help for wages and funerals

The law raises certain no-fault auto benefits. Funeral, cremation, and burial costs now count up to $5,000 per person. Weekly payments for lost wages and replacement services are capped at $500 per week and prorated for shorter periods. Seasonal or irregular income is adjusted fairly each year.

Stronger insurance-fraud enforcement and lawsuit rights

If you are harmed by insurance fraud, you can sue to recover your losses and your reasonable costs, including attorney fees. The Attorney General also investigates and prosecutes these crimes, along with local prosecutors. Those offices must tell the insurance commissioner when they learn of fraud unless it was already reported.

Faster no-fault medical payments and billing

No-fault benefits are paid monthly as your loss happens. After the insurer gets proof, payment is due in 30 days. Insurers can total claims for up to 31 days and then must pay within 15 days; partial claims of $100 or more follow the same clock. You can ask the insurer to pay your medical provider directly. Medical payments follow the state fee schedule in effect on the service date and are not less than the schedule in effect when this law took effect. A properly submitted medical bill is presumed reasonable. Providers must bill within 180 days and cannot bill or hurt your credit for any balance above the allowed fee. These rules apply to policies issued or renewed on or after the law’s effective date.

No-fault excludes mopeds and e-scooters

Mopeds and electric low-speed scooters are not treated as motor vehicles under this law. Riders on those vehicles do not get no-fault reparation benefits.

Sponsors & Cosponsors

Sponsor

  • Josh Bray

    Republican • House

Cosponsors

  • George Brown Jr.

    Democrat • House

  • Michael Meredith

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 184 • No: 31

House vote • 3/31/2026

passed

Yes: 75 • No: 14

Senate vote • 3/27/2026

passed

Yes: 24 • No: 8

House vote • 2/24/2026

3rd reading, passed

Yes: 85 • No: 9

Actions Timeline

  1. became law without Governor's Signature (Acts Ch. 149)

    4/14/2026

  2. filed without Governor's signature with the Secretary of State

    4/13/2026

  3. delivered to Governor

    4/1/2026

  4. enrolled, signed by President of the Senate

    4/1/2026House

  5. enrolled, signed by Speaker of the House

    4/1/2026House

  6. passed 75-14

    3/31/2026House

  7. House concurred in Committee Substitute (1)

    3/31/2026House

  8. posted for passage for concurrence in Senate Committee Substitute (1)

    3/31/2026Senate

  9. to Rules (H)

    3/31/2026House

  10. received in House

    3/31/2026House

  11. passed 24-8 with Committee Substitute (1)

    3/27/2026Senate

  12. Floor Amendments (1) and (2) withdrawn

    3/27/2026Senate

  13. 3rd reading

    3/27/2026Senate

  14. posted for passage in the Regular Orders of the Day for Friday, March 27 2026

    3/26/2026Senate

  15. floor amendment (1) filed to Committee Substitute , floor amendment (2) filed to bill

    3/26/2026Senate

  16. 2nd reading, to Rules

    3/25/2026Senate

  17. reported favorably, 1st reading, to Calendar with Committee Substitute (1)

    3/24/2026Senate

  18. to Banking & Insurance (S)

    3/20/2026Senate

  19. to Committee on Committees (S)

    2/25/2026Senate

  20. received in Senate

    2/25/2026Senate

  21. 3rd reading, passed 85-9 with Committee Substitute (1)

    2/24/2026House

  22. posted for passage in the Regular Orders of the Day for Tuesday, February 24 2026

    2/23/2026House

  23. 2nd reading, to Rules

    2/19/2026House

  24. reported favorably, 1st reading, to Calendar with Committee Substitute (1)

    2/18/2026House

  25. to Banking & Insurance (H)

    2/17/2026House

Bill Text

  • Current

    3/31/2026

    PDF

  • Introduced

    2/2/2026

    PDF

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